Israel has dozens of issuers and hundreds of cards, but a correct comparison comes down to one question: what do you actually get on your own spending — after fees. This page gives you a method, and the site's tool for comparing cards side by side.
Our catalogue covers 126 cards from ten issuers: 86 bank cards (Bank Hapoalim, Leumi, Discount, Mizrahi-Tefahot, Mercantile, FIBI, Yahav) and 40 cards from non-bank companies (Isracard, Cal, MAX).
By benefit type: 37 rewards cards, 34 premium, 29 travel-focused, 28 cashback, 23 points, 10 debit, 9 student. These numbers explain why "the best card" is the wrong question — the right question is what best fits your spending profile.
On the all cards page you can filter the 126 cards by issuer, benefit type, annual fee and network, select up to three cards, and see a detailed comparison in one window: annual fee, refund rate, club, network and key benefits. There is also a one-click quick "bank vs card company" comparison.
Convert everything to shekels per year. 1% cashback on 50,000 ₪ of annual spending is worth 500 ₪ a year. Points are valued at their actual redemption value — if you redeem 80% of the nominal value, that is what goes into the calculation.
There is not always a meaningful difference in the benefit itself — the difference is in the infrastructure: a bank card is tied to your current account and usually carries bank benefits, while a card-company card lets you pick a club regardless of your bank. Compare the benefits themselves, not the issuer type.
For most people, one card that matches their main spending beats several cards each returning a little and each needing separate management. A second card makes sense when there is a large separate spending category (such as abroad) that another card covers better.
In the issuer's binding fee schedule and on the official product page. Card pages on this site show the annual fee and benefits for the calculation, and every card page links to the official source.